all about credit cards-thread 4

[msals2007]

I love HSBC ang daling magpa waive ng annual fee. No conditions given, basta approved agad.

[nikki]

^agree.. si hubby naman minsan nakakalimutan magbayad on-time so whenever he sees late charge sa SOA niya, he would call to have to have it reversed.  he would say if they don't approve, eh i-cancel na lang ang card.  ayun, approve agad lol kahit fault niya

[j.adore]

Same thing happened to me though cancellation na talaga sana kami dami na HSBC cards. Para daw isipin ko kung ituloy ko pa hehe.

[ikaela]

Thanks, chicafabulosa. I have also had my credit card changed twice in the past because they said it got cloned, too. Ang fear ko eh yung gaya sa husband ni sis imeego, na gagamitin yung identification mo para kumuha ng credit card, apply for a loan, and god knows what else. I don't know how protected we are here in the Philippines against crimes of identity theft.

[pret_ty68]

Sobrang hirap makapasok sa hotline nang bpi na 89100 almost one week na akong nag ta try tumawag paiba ibang oras pero hindi talaga ako makapasok. Hindi naman ganito sa ibang credit card companies. Gusto ko pa naman sana service nila kaya lang ang hirap talaga nila ma contact paano na lang kung biglang nawala ang card mo and need mo ma report asap. Sana naman i consider rin nila ang accessibility sa clents. By the way this is not the first time na nahirapan ako tumawag.

[ayami]

Citibank sis, half na lang na-waive sa akin. BPI waived full annual fee.

Between the two, I prefer BPI and mas satisfied ako sa service nila.

Ayaw ko pa rin sa BPI haha. Sila ang half-waive sakin. BDO and the rest, automatic, credited pa kagad (especially RCBC). May grudge talaga ako sa BPI since secured cc days ko. Hehe

[blackgreen]

Nakuha ko na yun free american tourister luggage ng hsbc. Medium size din pala ito. Not bad. If ever hindi ko mapawaive yun annual fee next year parang i bought the luggage for 2500 and i have 2 years use of their card.

[123abc]

Ilan po credit card nyo? Ilan bang CC ang advisable na imaintain?

[ayi21]

^ 1 for us.

[nikki]

^^ang rule namin ni hubby jan, kung kaya mo bayaran ng sweldo mo ang Credit limit, then by all means, kahit ilang credit card pa yan lol. When I used to work, 1 Lang Sakin haha. Yun Lang kaya ko bayaran

[smoothie]

Madami. Haha. Style kasi ng cc companies pag may 1 ka na, papadalhan ka ng 2 or 1 pero shared credit limit.

Pero I don't use it all at the same time. May isa akong card gamit for online purchases only, then 1 card for purchases here. Priority ko yung miles card ko. the rest hindi ko ginagamit. Like yung Metro ko 2 yrs ko ng hindi ginagamit but meron parin ako tapos tuwing sisingilin ako ng annual sabihin ko pa-cut na lang, ayaw naman nila.

[chicafabulosa]

Ilan po credit card nyo? Ilan bang CC ang advisable na imaintain?

Depends on how many you can afford to maintain... I have two. One for purchases, groceries. And one solely for condo dues and installments ko if meron man

[babythug28]

i have 3 but we're only have 1 main cc. the rest, depende sa promo (like 50% off sa ganitong restaurant, etc). buti na din kahit ndi masyadong nagagamit yung iba nawa-waive pa din yung annual fee

[j.adore]

It depends on your lifestyle and capacity to pay.

I have 1 primary, 1 supplementary and my husband has 3 primaries.
Just 3 primaries are used actively. The rest are for emergencies.

[blushberry]

Ok ba ang unionbank credit card? I was being offered kasi pero knowing them, they can promise the whole world pero pag andyan na, not good pala mga benefits.

[Evolet027]

sis blushberry, as you have said, not good ang benefits. Better na wag ka na lang kumuha or sign up.

[Ejaxene]

I got Unionbank kasi they're my main bank and they're the first bank to issue me a CC----so thankful.

Wala ako masyadong requirement sa perks (mga Chowking ganyan) just as long as the card is secure. Hindi nagfail ang UB diyan dahil nagro-roll out na sila nung cards na may chip/paywave/paypass =)

[artemis26]

How does the Call for Cash ng Citibank work? May promo kasi sila na for less than 1M na availments walang application forms or documents required. May nakapag-avail na ba ng ganito? Papano nila hinahand-out yung cash if ever?

[kristinebarrios]

^nag avail ako ng call for cash sis, inalok sa kin 0.68% ata interest lang. Hindi lahat ng cardholders naalukan ng ganitong kababang interest. On my part, they wire transferred the money to my BPI savings account.

[artemis26]

^thanks sis. ang offer naman sakin is P136,00 max payable in 60months raw, tapos magdagdag sila sa credit limit ng card na 31,000 pa. Di pa ako actually tumatawag to avail, pero sa email nila may may link na iclick tapos it will be directed to Citibank's website then i-enter mo yung customer code provided on the email.

Did you call them up to avail? or ganun rin by email ka nila inofferan?